Until they allow you to deposit and withdraw cryptos from their platform I disagree heavily. I take the same issue with the robinhood app. If you can't withdraw or deposit cryptos what's the point? You can't transfer it anywhere. All you're doing is betting on the price of a coin and settling in cash when you go to sell. You Don't actually own the cryptos in your circle account. You can't do anything with it other than buy and sell on their platform, and that's not crypto to me.